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    • Hello there,  I would be most grateful for any help or views on a distressing incident that occurred last summer, I can supply more info.  I am a 70 years old retired man and quite severely disabled I use a Mobilty Scooter and walking aids.  I had recently been admitted to hospital with an ongoing heart condition.     I was quite a frequent customer of my local Pub/Restaurant and I had previously submitted several verbal complaints regarding short measures of drinks.  The both managers took exception to this and told me that I was "Never happy until I found something to moan about"  The atmosphere in the Pub generally declined towards myself and I was certainly made to feel unwelcome.  Matters came to a head when I witnessed a dog, inside the Pub, attack a child (A Toddler) who had accidentally trodden on the Dog`s tail.  Fortunately the parents of the child and the owners of the dog reacted quickly and no injury occurred .  The pub was very busy at this time and the incident went somewhat unnoticed.  I brought the incident to the attention of one of the managers and he actually laughed, it was monstrous.  When the pub became quieter I remonstrated with the said manager and I stated that IMO it was dangerous to have dogs and children in such close proximity whist food is being served.  He became extremely unpleasant and told me in no uncertain terms that if I did not like it then to "Stop coming back"   Two days later whilst I was out in the next village with friends my wife rang to inform me that the Owner of the pub had called around to our home and told me wife that I was barred from the pub and to never venture there again; my wife was distressed, she never frequented the pub and the owner and my wife are not well known to each other.  It is my opinion that he had no right whatsoever, to include my wife in this matter and to do so within her own home whilst I was not present.      I returned home then went to the pub to enquire why the owner had visited my home, and upset my wife.  Whilst I was on the pub car park I was met by both the owner and the manager who both informed that I was barred as I had upset staff members.  No suitable explanation was forthcoming from the owner for the reason of his unwanted and unwelcome visit plus his aggressive manner whilst he talked down to my wife.  They both informed me that they would forcefully remove me if I did not leave the car park.   Due to the immense stress I was enduring I felt an urgent need to use the toilet, when i requested to do so I was denied.  I could not believe it, I was in such a hopeless state and was utterly distraught.  Finally I struggled out of the car park but entered the front of the pub and headed for the toilet however they caught up with me and I sat down on a stool and refused to move until i was granted access to the toilet, however they were both adamant that it would not be allowed.  I reminded them that i was disabled but the owner stated that I was `Milking It` and to "Go behind a hedge".  At least half an hour passed, since I had entered the pub, and the owner stated that he would call the Police, I had gathered my thoughts a little by this time and I stated to them that I would call the Police myself and then see if I would be allowed to use the toilets.  I feel the owner began to realise that he might be in trouble as when I began to make the phone call he stated that I could use the toilet however he would accompany me; i had no option but to concur with his somewhat sick condition.  I was forced to defecate whilst he stood immediately outside the door.  My humiliation and embarrassment was complete.    Two days later I wrote to the owner and informed that I was intending to sue him for disability discrimination related offences.  He chose to disregard what I had stated and replied stating that he had no intention of lifting the ban.  I replied stating that I had no desire to ever enter one of his pubs ever again and that he should re-read my letter and respond to the charges.  He did not reply.   I issued proceedings against him in the Small Claim Court for less than £400  (Some of my clothes and a she were damaged due to soiling).  He, rather surprisingly, instructed a solicitor who has threatened me with costs being awarded against me by the court which could run into many many thousands of pounds and that there was clearly no case for her client to answer.  I must admit to being rather alarmed.  The owner is a wealthy man.     The court have advised mediation and have even offered to award one hour of such FOC; I agreed, the defendant refused.  We now have a date for a hearing and I do not know exactly what to expect.  His court response states that he will be bringing two witnesses with him yet there was only he, the owner and the manager who were present.    Much of this was audio recorded and the owner is not disputing much of my statement.  I never threatened violence or used bad language during this most unpleasant incident.      Any help and opinions would be greatly appreciated.   Kind regards.  --  tibar
    • My friend has told them this and got no response as yet nor any refund,  she  is giving them till about 2pm  to refund it or   will be  reporting it as fraud and  seeing the Police etc, have told her please  do not ever  do it again or drag me into it, I will do my best keep you updated   Sandy xx
    • Make sure you keep that email and print it out for safe keeping, just in case the PPC don't quite get the message.
    • Okay i've just sent the letters recorded delivery and have registered with the claims court. Just reading about PAP.
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asdanemma

PRA Group constantly phoning and harassing for 2 x welcome finance debts I dont owe

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Hi,

I have 2 loans with welcome.

1 was for a car where I was well ripped off,

and the other for a cash loan. There is no HP.

 

My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63.

Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64.

 

I CCA them a few weeks ago and got my original document.

 

Never knew I was paying that much.

 

also got a copy of all payments made since stay of loan in Sept 2007.

 

Interest was added monthly until 05/05/2010 when went to step change. Then frozen.

 

Only 1 fee of £20 for direct debit cancellation in may 2008.

 

I want rid of this debt, feel I've paid enough, or in my calculations only now owe £111.01 minus any extra charges.

What can I do.

 

My next post will be about my car.

AKTIV KAPITAL have not supplied my payments made but my balance is still £6163.23

 

Been paying this since January 2008.

Went to step change in may 2010.

I've looked closely at my credit agreement and there is shortfall extra insurance that I didn't ask for,

and a whole array of confusing figures.

The amount of credit for the goods was 7950.

 

I've been conned and want to sort this out as lost my job, (but am fighting in employment tribunal)

and need to clear up my debts as got loads of them totaling 15k.

Please help

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When you say arrow supplied the cca, what exactly did they send you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Aktiv sent me a photocopy of my original agreements,and for my personal loan they also sent a copy of all payments I have made to welcome. That's it

 

I have attached the front and back of the copy of my loan

Please help

Thanks b

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I'd sar welcome finance pers

 

 

it will be worth the tenner.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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60% blimey they got you!!


please don't hit Quote...just type we know what we said earlier..

 

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Thanks, will do. This is just the tip of the ice berg. Do I send £10 per SAR, and does it still go to welcome or to aktiv kapital?? Do I write to aktiv in the meantime

I'm attaching my car docs

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! SAR to each creditor. Only goes to the OC not the new owner. A SAR requests all info they hold on you regardless of how many accounts you have with them.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks, will have to re scan them tomorrow. I'm sorry

What do I do with aktiv kapital in the meantime

Do I start a new thread for each seperate debt in the associated debt forums, I have loads that have been sold on

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yes start a new thread for each seperate debt in the appropriate forum


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hopefully attached properly this time

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Just a quick update, today welcome have returned my postal order as they say they need further id

I sent back with copy of passport

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send them a CTAX bill

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Thanks, all done so should be interesting. I have just checked my credit report and there is no mention of welcome finance at all

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both welcome finance are definatley missing from my credit repiort

 

Cash loan opened oct 2007

 

car loan opened january 2008

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Just to update, welcome have now replied and said wheres our £10. They sent it back so I returned it to them

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Just to update, welcome have now replied and said wheres our £10. They sent it back so I returned it to them

A lot of Welcome debts have been removed from credit files by the administrators whilst there is an investigation into the company, it doesn't mean the debt has gone away.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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shame, they are playing me though as the £10.00 postal order has been cashed

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shame, they are playing me though as the £10.00 postal order has been cashed

Welcome have 40 days from the date the payment is received to comply with the SAR.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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HiWelcome are running out of time

 

. What happens when they do?

 

I'll try to keep this short

 

2 x loans ( 1 for car and 1 for cash) was with welcome finance, then went to AKNow with PRA Group.

 

I challenged back in July 2014 when AK took over the loans.

 

I sent a SAR on 10/09/14 to welcome,

they returned it saying i needed ID,

sent back with the £10, they cashed it but never supplied SAR.

They claimed they never got the £10.00.

 

I challenged AK saying not paying and not acknowledging debt as the copy of the original loan agreement that i have that AK managed to get for me show the figures are wrong, lots of scribbling etc and also GAP insurance which i did not accept or take out.

 

I never heard back from AK after Nov 2014 until

i get 2 letters at the weekend from PRA.

 

Both statement of accounts showing figures owing of

Loan 1 Car - £6163.23

Cash loan - £450.86

Both have PRA reference starting AKD.

Are AK part of PRA?

 

The original cash loan was £2000 plus £1875.64 interest ( 60%) plus £75 fee TOTA £3950.64.

I have paid Welcome £3839.63 to date and nothing since Nov 2013.

 

The car figures are misleading but I have attached for you

 

Im not sure what to do,

the letter isnt threatening it just states that i havent paid anything in the last year.

 

Shall i ignore?

Thanks

caragreementpdf.pdf

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Get a sar off to welcome and get reclaiming. They will likely owe you way more than an alleged amount owed to a DCA thats been passed around multipel times.

 

You say they never replied to the SAR... why didnt you take legal action against them back then and force them to comply? Its obvious they owe you and are trying their usual tricks.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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old and new threads merged

 

it s a statement of account

 

safe to ignore

 

get reclaiming.

I also notice the car loan was a refinance of a previous loan?


please don't hit Quote...just type we know what we said earlier..

 

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I didnt chase it as i'd thought it was all sorted. ( Usual bury head in sand thing i guess)

I will send a new SAR to welcome with ID and see what happens

Yes, it was the second car i had bought off them ( and last), was well ripped off but i know i dont owe £6k.

 

So.... I Ignore SOA from PRA Group and re send a SAR to welcome finance?

Thanks

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then your reclaim will be a lot more too.

 

sit on your hands


please don't hit Quote...just type we know what we said earlier..

 

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